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Identity Stolen, can't get credit
Hi, My identity was stolen last year. A Marbles Credit card was opened in my name and almost £1000 worth of debt run up. I have alerted the credit card company who have closed the account and confirmed it was fraudulent. A CIFAS warning has been added to my credit report. I have also ensured that the adverse credit has…
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Electoral roll information changed...
Looking at my clearscore report this month it says there has been a change. The change being it says my electoral roll information has changed. But when I look at that information it seems all normal and correct. Why would there be a note to say it has changed? I haven't moved house or anything in years.
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Default while paying debt off
Hello I just wondering about a little problem I have found myself in. So 4-5 years ago I decided to get control of my accounts it ended up with me with 5 defaults which where all paid off and settled recently and also due to fall off credit report within 18 months which is good 3 years ago I missed a couple of payments to…
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MSE Credit Club broken?
Or is it just me? The Dashboard shows my old score from November 2019 (should have been updated in December), and when I try to view my Experian report, I get "There seems to be a problem getting your Experian Credit Report. Please try again later."
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Incorrect File
Hi, Yesterday I obtained my equifax credit file as I am applying for a mortgage in a few weeks, already have a decision in principle approved with a soft credit check done. On there, Thames Water ad reported 3 late payments for an account I had closed in March 19. Then from October until now, all payment are green and 'Up…
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Effect of Pay Day Loans
Hi There. My partner has been a bit silly. She used Pay Day Loans for the wrong purpose and didn't realize what they are for. She ended getting crazy repayments for using them to borrow longer than the short term they are designed for. This resulted in her getting another to pay the other!!!! and then another!!! I was not…
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Credit card missing from credit file
Hi all I don't think its a problem, but I'm a bit confused. I have a Tandem credit card and I just checked my credit file and found that my other two credit cards (that never get used) were there but the Tandem one wasn't. Is there any reason this should happen? It was Clearscore that I used to check in case that makes a…
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Credit file query
Hi I’m hoping someone will be able to answer my question. If the bank I had a loan with charged off the debt, ie sold it to a debt collection company, would this show up on my credit file? Would it still show as a current loan? I’m asking this question because I’m confused. I had a loan with TSB but lost my job due to…
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Anti Money Laundering on Credit File
I have just looked at my credit report and noticed there were two searches for anti money laundering in 2018 on my account. Whilst I appreciate this is a normal thing that happens what's worrying me is that the searches are in my previous married name which I haven't used since 2016, at an address I haven't lived at since…
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Credit file versus new store card
Hi, I hope someone can help. My daughter was accepted for a new next store card before Christmas, we agreed to pay it off each month so it would better her credit rating. Next gladly gave her a credit limit of £150 and she bought clothes for her children then paid the full balance today before the due date I might add then…
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Fraudulent phone contract
A few months ago my partner was contacted by a company called Lowell who claimed to have taken over a debt from EE for over £1000. He has never had a phone contract in his own name as his is still tied into a deal with his parents which is always renewed. He believes that someone he used to work for may have used his…
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Late payment marker?
Hi everyone, I was wondering if anyone could give me any advice? I accidentally cancelled a direct debit of £32 to creation finance. This was done by mistake (clicked on the wrong one). We received a text today to say the payment was late (was due yesterday) and this was paid over the phone straight away and the direct…
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Charging order
Hi I have either charging order or interim order put onto my mortgage years back with a loan we fell behind on due to loss of work - agreed by court paying £25 which we have paid now for years possibly 12 years will this continue for the rest of the mortgage time? Or can they apply again to force to sell my house? Thank you
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Impact of husbands business loan on me
Hi, I’m looking for some help by those in the know. My husband has just applied and been accepted for a business loan. This is for a big piece of equipment. He has submitted a business case and has some income from another side of the business which is unrelated to this and very small scale. Separately to this, we are both…
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CCJ or overdraft first?
Paid off my car loan a year or two ago. Or at least I thought I had. Months later, I got a CCJ as I apparently hadn't paid 3 payments somewhere along the line. About £500 to pay on this and I've a direct debit over £50 a month going towards this. Also got an overdraft with my bank that costs around £50+ a month in charges.…
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car Voluntary terminate - does it effect the scoring
Hi all. I’m over the 50% mark of my HP agreement with Close brothers finance. Circumstances have changed and the car is very likely in negative equity. My question is if I return the car to the company will it effect my credit rating?. I have no idea, never done it before and in my circles nobody has done it. The is in…
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CCJ in Error
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Getting a credit card
My girlfriend lives at home with her parents, doesn’t have any bills to her name, I’ve advised her to get a credit card, her credit rating is good, but Is it still worth it to get a credit card. As we will be looking at getting a house together in the next year or so. I remember back when I was 18 and got refused a phone…
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Suppression of Settled Payday Loans from UK Credit Files if a lender has gone bust
Hi all, I am after a little advice and or peoples views regarding closed Payday Loans still showing on a credit file. Has anyone had any success having these permanently suppressed where a payday lender has gone bust and the business has wound up. In a nutshell I have around 20 closed payday loans showing on my credit file…
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Help. Which accounts should I pay first?
Hi, i was wondering if anyone could help me increase my credit score. Me and my partner are looking at buying a house this year, but due to being young, silly and naive a good few years ago... my credit rating isn't that great. Its poor actually. There are 5 old account and 2 relatively new ones. The old accounts have…
